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Most people aren't paying for the education. They are paying for the degree. The education they could get for £1.50 in late fees at the library. This is not something new.
University is about a lot more than the piece of paper you get at the end. If it's of any real quality, and you are actually engaged with it, you'll be learning from experts in your chosen field, amongst engaged and eager peers, whilst also being exposed to different viewpoints on everything from what to have for lunch through the latest innovations in your field, and adjacent ones, to the geopolitical state of the world. The people you meet, and the connections you form can, and often do, form the bedrock of your working life from then on.
All of that does make the assumption that you actively engage with university life and those around you. Make friends in different subjects, seek out your professors during office hours and talk to them about their interests, join clubs, do stupid, but ultimately harmless things.
It also assumes you are attending a 'good' university, rather than a profit driven degree mill, and those might be harder to find in some places than others.
I too love Good Will Hunting
Seems like an awful lot of debt to go into for something that's really not that valuable. If the certificate is the goal then a masters or PhD will end up being what's needed and faking your way through undergrad won't do much good.
This is a story ask about the UK, not the US, though I imagine the situation is similar.
I don't understand what point you're trying to make. I know it's about the UK..?
Who's going into debt to be at university in the UK?
The English. £9,000 a year isn't easy when you're 18, throw on top rent, food, transport, socialising, many people go into debt.
Student loans have more generous terms than ordinary loans, and you only pay them back when earning more than ~£25k (depends on the loan) but that's still debt.
Uni isn't free in much of the UK, so... lots of people?
Yes they are? Shame on you for doubting the ernestness of students.
A certain percentage are just there to pick up a degree to increase their future income. It's not hard to imagine they'd take any available shortcuts.